Abstract: Consumer and merchant accounts are stored in the data store of a server computer system. Voucher entries are received from merchant computer systems and stored in association with the merchant accounts. Consumer account identifiers are pushed from the server computer system to a network computer system. A list of consumer account identifiers is maintained at the network computer system is checked to determine whether a consumer account identifier in a charge request matches any one of the consumer account identifiers in the list. Reserve checking is provided in when in discount checking mode. A voucher redemption system matches a merchant account identifier in a discount checking call received from the network computer system to one of the merchant account identifiers to identify one of the voucher entries. The transaction clearing system transmits a response with a discount amount of the voucher entry to the network computer system.